Common use of Growth in Tangible Book Value Clause in Contracts

Growth in Tangible Book Value. [target # of RSUs] GITBV Units (representing 60% of the Target Award Amount, the “Target GITBV Amount”) will be subject to vesting based on performance achievement against the following metrics measured on a cumulative basis over the Performance Period (using a three-year average): • 50% of the Target GITBV Amount will vest if [ ]% GITBV is achieved (threshold); • 100% of the Target GITBV Amount will vest if [ ]% GITBV is achieved (target); • 200% of the Target GITBV Amount will vest if [ ]% of GITBV is achieved (maximum). The number of earned GITBV Units shall be interpolated on a straight-line basis based on achievement of GITBV levels between the performance metrics specified above. No GITBV Units shall be earned if GITBV is less than [ ]%, and the maximum GITBV Units that may be earned shall be capped at 200% of the Target GITBV Amount even if GITBV in excess of [ ]% is achieved. The number of GITBV Units earned based on cumulative three-year GITBV performance as described above shall vest and shares representing such earned GITBV Units shall be delivered to the Employee three years from the date of this award upon the Committee’s certification of performance achievement following the end of the Performance Period.

Growth in Tangible Book Value. [target # of RSUs_____] GITBV Units (representing 6075% of the Target Award Amount, the “Target GITBV Amount”) will be subject to vesting based on performance achievement against the following metrics measured on a cumulative basis over the Performance Period (using a three-year average): • 50% of the Target GITBV Amount will vest if [ ]10.35% GITBV is achieved (threshold); • 100% of the Target GITBV Amount will vest if [ ]12% GITBV is achieved (target); • 200150% of the Target GITBV Amount will vest if [ ]13.65% of GITBV is achieved (maximum). The number of earned GITBV Units shall be interpolated on a straight-line basis based on achievement of GITBV levels between the performance metrics specified above. No GITBV Units shall be earned if GITBV is less than [ ]10.35%, and the maximum GITBV Units that may be earned shall be capped at 200150% of the Target GITBV Amount even if GITBV in excess of [ ]13.65% is achieved. The number of GITBV Units earned based on cumulative three-year GITBV performance as described above shall vest and shares representing such earned GITBV Units shall be delivered to the Employee three years from the date of this award upon the Committee’s certification of performance achievement following the end of the Performance Period.

Growth in Tangible Book Value. [target # of RSUs_____] GITBV Units (representing 6075% of the Target Award Amount, the “Target GITBV Amount”) will be subject to vesting based on performance achievement against the following metrics measured on a cumulative basis over the Performance Period (using a three-year average): 85579640.7 • 50% of the Target GITBV Amount will vest if [ ]9.50% GITBV is achieved (threshold); • 100% of the Target GITBV Amount will vest if [ ]11.00% GITBV is achieved (target); • 200150% of the Target GITBV Amount will vest if [ ]12.50% of GITBV is achieved (maximum). The number of earned GITBV Units shall be interpolated on a straight-line basis based on achievement of GITBV levels between the performance metrics specified above. No GITBV Units shall be earned if GITBV is less than [ ]9.50%, and the maximum GITBV Units that may be earned shall be capped at 200150% of the Target GITBV Amount even if GITBV in excess of [ ]12.50% is achieved. The number of GITBV Units earned based on cumulative three-year GITBV performance as described above shall vest and shares representing such earned GITBV Units shall be delivered to the Employee three years from the date of this award upon the Committee’s certification of performance achievement following the end of the Performance Period.

Growth in Tangible Book Value. [target # of RSUs_____] GITBV Units (representing 60% of the Target Award Amount, the “Target GITBV Amount”) will be subject to vesting based on performance achievement against the following metrics measured on a cumulative basis over the Performance Period (using a three-year average): • 50% of the Target GITBV Amount will vest if [ ]____% GITBV is achieved (threshold); • 100% of the Target GITBV Amount will vest if [ ]____% GITBV is achieved (target); • 200___% of the Target GITBV Amount will vest if [ ]_____% of GITBV is achieved (maximum). The number of earned GITBV Units shall be interpolated on a straight-line basis based on achievement of GITBV levels between the performance metrics specified above. No GITBV Units shall be earned if GITBV is less than [ ]_____%, and the maximum GITBV Units that may be earned shall be capped at 200____% of the Target GITBV Amount even if GITBV in excess of [ ]____% is achieved. The number of GITBV Units earned based on cumulative three-year GITBV performance as described above shall vest and shares representing such earned GITBV Units shall be delivered to the Employee three years from the date of this award upon the Committee’s certification of performance achievement following the end of the Performance Period.

Growth in Tangible Book Value. [target # of RSUs_____] GITBV Units (representing 6075% of the Target Award Amount, the “Target GITBV Amount”) will be subject to vesting based on performance achievement against the following metrics measured on a cumulative basis over the Performance Period (using a three-year average): • 50% of the Target GITBV Amount will vest if [ ]9.50% GITBV is achieved (threshold); • 100% of the Target GITBV Amount will vest if [ ]11.00% GITBV is achieved (target); • 200150% of the Target GITBV Amount will vest if [ ]12.50% of GITBV is achieved (maximum). The number of earned GITBV Units shall be interpolated on a straight-line basis based on achievement of GITBV levels between the performance metrics specified above. No GITBV Units shall be earned if GITBV is less than [ ]9.50%, and the maximum GITBV Units that may be earned shall be capped at 200150% of the Target GITBV Amount even if GITBV in excess of [ ]12.50% is achieved. The number of GITBV Units earned based on cumulative three-year GITBV performance as described above shall vest and shares representing such earned GITBV Units shall be delivered to the Employee three years from the date of this award upon the Committee’s certification of performance achievement following the end of the Performance Period.

Growth in Tangible Book Value. [target # of RSUs] GITBV Units (representing 60__% of the Target Award Amount, the “Target GITBV Amount”) will be subject to vesting based on performance achievement against the following metrics measured on a cumulative basis over the Performance Period (using a three-year average): • 50__% of the Target GITBV Amount will vest if [ ]__% GITBV is achieved (threshold); • 100__% of the Target GITBV Amount will vest if [ ]__% GITBV is achieved (target); • 200__% of the Target GITBV Amount will vest if [ ]__% of GITBV is achieved (maximum). The number of earned GITBV Units shall be interpolated on a straight-line basis based on achievement of GITBV levels between the performance metrics specified above. No GITBV Units shall be earned if GITBV is less than [ ]__%, and the maximum GITBV Units that may be earned shall be capped at 200% of the Target GITBV Amount even if GITBV in excess of [ ]__% is achieved. The number of GITBV Units earned based on cumulative three-year GITBV performance as described above shall vest and shares representing such earned GITBV Units shall be delivered to the Employee three years from the date of this award upon the Committee’s certification of performance achievement following the end of the Performance Period.